The list approach has some downsides, but it also has a bunch of upsides. I feel like when people like to point out potential flaws of these approaches, they're ignoring the history and difficulties that comes with Cloudflare's scope. An enumerated list is the simplest and most flexible of the approaches, and it also doesn't require any a priori agreement on the structure of a header key - this is probably important when you think about the sheer number of teams at Cloudflare, potential technology acquisitions, etc.